Oklahoma law
Insurance Disputes Laws in Oklahoma.
Oklahoma insurance law includes the Unfair Claims Settlement Practices Act. Oklahoma recognizes common-law first-party bad faith under *Christian v. American Home Assurance Co.*, 577 P.2d 899 (Okla. 1977) — insurer liable for breach of implied covenant of good faith and fair dealing. Punitive damages available for particularly egregious conduct. Oklahoma Insurance Department regulates insurers. Oklahoma auto insurance is tort-based with mandatory minimum liability coverage.
Last verified: 2026-04-17
State law
Key Oklahoma Statutes
Oklahoma recognizes first-party bad faith based on breach of the implied covenant of good faith and fair dealing. Requires showing that insurer unreasonably delayed or denied the claim. Plaintiffs may recover consequential damages beyond policy limits plus punitive damages.
Enumerates specific unfair claim settlement practices. Enforcement through the Oklahoma Insurance Department.
Oklahoma requires UM coverage; UIM may be rejected in writing.
State law
Official Sources
Not Legal Advice
This page summarizes publicly available statutes and rules for informational purposes only. It does not constitute legal advice, and no attorney-client relationship is created by viewing this content. Laws change — always verify with the primary source or consult a licensed attorney in Oklahoma.
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